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Say hello to Klarna

An easier way to pay for your phone

How can Klarna help?

Want to get the latest phone without paying the full amount in one go? Klarna can help. By spreading the cost of your phone with monthly payments.

Flexible

Choose the monthly payment plan that suits your needs

Safe and secure

Your security is important to us. That’s why we partnered with Klarna

No hidden costs

Pay off your phone early, with no extra fees

How does Klarna work?

  1. Simply choose the phone you want
  2. Select ‘Pay monthly’ as your payment method
  3. Choose the upfront payment
  4. Select the length of the payment plan
  5. Get an instant decision.

If you’re approved your phone will be delivered the next business day. Easy peasy.

a woman with her hand out and some symbols representing a phone and a credit card floating around her

A brief history of Klarna

Founded in 2005 in Stockholm, Sweden, Klarna is now one of Europe’s largest banks with the aim of making it easier for people to shop online. It provides payment solutions for 85 million consumers across 205,000 merchants in 17 countries. You can find out more information about Klarna and its services, here.

FAQs

  • What is Klarna?
    Klarna offers giffgaff members an easier way to buy a phone, with flexible loan options.
  • How do I use Klarna to buy a phone with giffgaff?

    The first time you shop with Klarna you’ll be asked to apply for a Klarna Account. If you're approved, Klarna will create an account for you and your order will be placed.

    Once your account is up and running, make sure you have a direct debit mandate set up with Klarna and Autopay is turned on in the Klarna app. Without this Klarna won't be able to take payments.

    Once you're logged in to the Klarna app, follow these steps:

    1. Go to “My Klarna”
    2. Press on “Payment Methods”
    3. Add your bank details
    4. Scroll down and press on Enroll now
    5. Press Ok
    6. Scroll down and toggle Autopay on
  • Do I need to be 18?
    Yes. Klarna is only available to people aged 18 or over and is an online exclusive payment method.
  • Is Klarna safe?

    Your security and online safety is important to us. And we wouldn’t partner with Klarna if we thought it wasn’t a safe option.

    Klarna uses transaction monitoring, transaction verification, and has a dedicated anti-fraud team.

  • Can Klarna affect my credit score?

    The short answer? Yes it can.

    The longer explanation: giffgaff currently uses Klarna’s long-term payment plans (6-36 months). This requires a full credit check, which can affect your credit score if you're declined or miss a payment.

    We encourage all our customers to spend responsibly and think carefully before taking out any loans.

  • Does Klarna do a hard credit check?
    Yes. Similar to all traditional finance providers, any giffgaff members interested in a long-term Klarna payment plan will require a hard credit check.
  • What is a hard credit check?

    A full credit check, often referred to as a hard credit check, will review your previous credit history.

    Klarna will conduct an affordability assessment, review your age (must be 18+) and several other factors. They’ll use this information to decide whether or not you are eligible. A hard credit check can influence your credit rating.

    There will be a record of the search on the member’s credit file with the CRA. You must complete, be approved for, and sign a regulated credit agreement.

    Members will be advised of the implications of non-payment prior to application. If a member fails to pay on-time for this, the credit reference agencies are informed which may have an impact on their credit score.

    We encourage all our members to spend responsibly and think carefully before taking out any loans.

  • How do I manage my Klarna Account?

    Log in to the customer portal at Klarna.com at any time to review your purchases and settle your monthly statement. If you need more help, contact Klarna's Customer Service team.

  • What happens if I need to return my phone?
    You still have the right to change your mind within 21 days. Check out our returns policy for more information.
  • What happens if I get into trouble, and can’t make my repayments?

    Money worries are stressful. That’s why Klarna has a specially trained team to step in and help you should you run into any difficulties when it comes to meeting your repayments.

    Klarna’s friendly team can find a solution that works best for you. You can contact Klarna’s customer services team via its App (24/7 live-chat), call 020 300 50833, or visit Klarna’s customer services page.

  • What do I do if I have any questions about my loan?

    If you have any questions about your loan, please contact Klarna:

  • I need extra support to help manage my finances. What resources are available to me?

    You’ve taken a great first step by searching for additional support if you’re experiencing financial or payment difficulties.

    In addition to the support Klarna is able to provide you with your Klarna loan, there are specially trained experts on hand 24/7 to help you better manage your finances.

    Here are a number of recommended not-for-profit organisations offering free, confidential and impartial advice:

    • Money Advice Service: For free, unbiased and easy-to-access money tools, information and advice click here, or call 0800 138 7777 to speak to a Money Adviser.
    • Citizens Advice: For free and impartial consumer advice click here to chat online, or alternatively call 0808 223 1133
    • AdviceUK: For debt advice including specialist advice for minority communities and people with disabilities click here, or call 0300 777 0107
    • Christians Against Poverty: Click here and search your postcode for free debt advice in your home and then call 0800 328 0006
    • National Debtline: For free guides, factsheets, tools and debt advice click here, or call 0808 808 4000
    • StepChange Debt Charity: For debt advice throughout the UK click here, or call 0800 138 1111

Legal information

giffgaff Limited, 500 Brook Drive, Reading, RG2 6UU is authorised and regulated by the Financial Conduct Authority ("FCA") (FCA FRN 680957) and acts as a credit intermediary and not a lender, offering credit products provided exclusively by Klarna Financial Services UK Limited (company number 14290857), which is authorised and regulated by the FCA for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Finance is only available to permanent UK residents aged 18+, subject to status, T&Cs apply. Terms and Conditions.